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'Tis the season to shop till you drop, but before you pull out your wallet, check out these tips on saving some cash.No, it’s not through couponing or searching for deals online. It starts with what you do when you walk through the doors of a store. Whether you're aware of it or not, a store is laid out in a very specific way to get you to spend more.Those huge shopping carts are always conveniently placed right as you walk in, but the small baskets seem harder to find. The store's hope is that you'll fill up that shopping cart with more items than if you had a small basket. Gone are the days of stores playing elevator music to create a sense of calmness. Now, it’s all about upbeat music to create a happy atmosphere, hoping you want to stay and shop longer. Just like speed bumps on a road, stores place tables, clothing racks and other obstacles around businesses to get customers to slow down and look at more items. How about those big signs that say, “buy one, get the next one half off?” Seems like a great deal, that is if you’re planning on buying two. If you only need one, buying another half off is still getting you to spend more than you were planning.And when you're ready to try on clothes, don't be tricked by the sale rack that’s usually placed right by the dressing rooms. It's one last chance for stores to get you to pick up more items. Oh and here's one last tip: you're going to see a lot of discount signs with 10, 20 maybe even 50% off an item, but consumer experts say nothing is a deal unless it's 30% off or more. 1561

There is a large police presence at the South Florida home of former NFL star wide receiver Antonio Brown on Tuesday afternoon.Multiple police cruisers have responded to Brown's residence in Hollywood. 213

The word home can mean a lot of different things, but it also usually means a safe space where you can go and rest your head. “May 20, 2010 was my move in date,” said Lisa Saenz who lives in the Denver neighborhood of Sun Valley. It's affordable housing run by the Denver housing authority. It's been Saenz’s home for a long time. When Saenz first moved here, she says it wasn’t such a great place to live. “It was a lot of nonsense by the neighbors and kind of a lot of crime. I was kind of scared to come outside and leave. I used to keep the kids inside,” said Saenz. But she says things have really changed since, and Sun Valley feels more like a community. “My neighbors are my family, I didn’t have one, I still don’t have one. I’m like the last survivor besides my two kids,” said Saenz. Ismael Guerrero who runs the Denver Housing Authority says for a long time, it was tough to get people to talk about the need for public housing. “Public housing, affordable housing overall, for many years has not been the highest priority politically as a policy,” said Guerrero.And if you ask Saenz, that stigma is real. “I remember once my son’s friend from middle school knew that we lived here. He was invited his friend to spend the night, but once his mom knew he lived here, he wasn’t allowed to come over and it kind of made my son feel bad," Saenz said. But Guerrero is trying to change the narrative around public housing, and he’s trying to make Sun Valley, look more like this. The Mariposa community is just 10 minutes away, but looks totally different. Guerrero says it’s an example of public housing in the 21st century. It’s what people who work in public housing call a mixed income community. A blend of market rate apartments and homes mixed in with low income units. “What I get really excited about is not just the housing we provide, but I think the quality of life we can bring out residents, especially in our newer communities,” said Guerrero. And the transformation has already started in Sun Valley. Construction has started on new mixed income units in the neighborhood. DHA’s plan says all of the low income units will be replaced and the area will add market rate units as well. “Going from maybe 350 total units of housing in that neighborhood today probably to over 500 units over the next five years,” said Guerrero. Lisa says she's not worried about being pushed out of the new neighborhood. “I don’t think it’s a bad thing, and no they’re not making us leave. We leave if we don’t want to live here... I think all anywhere you go there’s going to be change, not just Sun Valley," said Saenz. She's right. According to the National Low Income Housing Coalition, America needs at least 7 million more affordable homes than what's currently available. And cities all over are looking for solutions. “There’s more political will I think locally and at the state levels now because mayors and council members and commissioners are having to deal with residents across a wider income spectrum who are saying hey, I can’t work and live in my own neighborhood, in my own community and we need to do something about that,” said Guerrero There are a lot of creative solutions out there from the tiny home fad to providing a tax credit to renters or even having tech giants do their fair share and donate hundreds of millions of dollars to affordable housing programs like Amazon and Microsoft have pledged to do. But one solution is in every report and study. Build more homes. More affordable homes. Because when people have a safe affordable place to live, their house becomes a home, and their neighborhood becomes a community. “That really has an impact in terms of youth doing better in school, our families across the board having healthier food options, healthier transportation options, and our seniors being able to age in place in a healthy way that lets them live independently for much longer,” said Guerrero. 3963

The recent deaths of two young children, who were in U.S. border custody shelters, hit a retired U.S. nurse particularly hard. Retired nurse Beverly Lyne decided to take action, traveling to the U.S.-Mexico border in order to help migrant families. “They're just people wanting to live their lives without fear of their children being kidnapped and trafficked, without their land being taken away from them,” she says.Lyne is no stranger to humanitarian crises. Her medical career has taken her to places like Haiti, Nicaragua and Uganda. After seeing the caravan of Central Americans living in tents and running from tear gas, she wanted to see for herself what was going on and how she could help. “I've always worked, so I’m here and I’m going, ‘Oh, I need to do something.’” By handing out supplies with the human rights group Border Angels and offering medical care when she could, Lyne saw firsthand how the children may not be getting the nutrition they need. The recent of two migrant children, one of which who died from the flu, affected Lyne.“They're stressed. Mommy is there, or daddy isn't there,” Lyne says. Homeland Security says children in custody will be assessed more thoroughly, but Lyne says more has to be done, like sending medical specialists in to evaluate the children. Lyne is glad she’s able to witness this firsthand. She says what she saw was much different than what she had heard. “Because we hear from our leadership that there are all these terrorists that are hovering there with weapons to come in and harm us,” Lyne says. “I didn't see anybody that gave me pause to worry about my safety or wonder what the heck they're doing there.” Lyne hopes her presence showed migrants something about Americans they might never meet. “That they are being remembered, that they aren't forgotten and that we are caring for them,” she says.Lyne hopes to give a new perspective from the other side of the wall. 1945

The University of Phoenix settled a legal battle with the Federal Trade Commission on Tuesday, by agreeing to eliminate 1 million in student debt and pay million to the FTC, the FTC announced. The settlement marked a record for the FTC."This is the largest settlement the Commission has obtained in a case against a for-profit school,” said Andrew Smith, Director of the FTC’s Bureau of Consumer Protection. “Students making important decisions about their education need the facts, not fantasy job opportunities that do not exist."The FTC sued the University of Phoenix for deceptive marketing to potential students, leading students to believe that the university worked with employers such as Microsoft and Adobe to create job opportunities. An example the FTC showed was of a TV advertisement that claimed that the University of Phoenix had a "growing list" of 2,000 partners while displaying logos for various large companies. In reality, these companies did not provide special job opportunities for students. The FTC will use its share of the settlement for consumer redress. The remaining 1 million will go to cancel student debt owed by former students who were enrolled around the time they were likely exposed to the university's deceptive advertising. The University of Phoenix said in a statement that it denies any wrongdoing. "After cooperating fully with the FTC’s inquiry, the University is pleased to have reached this settlement agreement and resolved this matter, which principally focused on a marketing campaign that ran from late 2012 to early 2014," the statement read. "The campaign occurred under prior ownership and concluded before the FTC’s inquiry began. The University continues to believe it has acted appropriately and has admitted no wrongdoing. "This settlement agreement will enable the University to maintain focus on its core mission of improving the lives of students through career-relevant higher education, and to avoid any further distraction from serving students that could have resulted from protracted litigation, as well as the time and expense of the litigation itself."Here is what's next for those former students affected by the settlement, according to the University of Phoenix:As determined by the terms of the settlement, a certain designated population of students who first enrolled between October 1, 2012 and December 31, 2016 are eligible for relief from accounts owed directly to the University. Other debts, including, but not limited to, federal student loans, are not covered and remain due pursuant to their terms.The University will automatically release outstanding account balances for this designated population of students. These students do not need to take any action. The University will notify them and manage the processing of their debt forgiveness.The University will ask the credit reporting agencies (Experian and Equifax) to delete the official record of debt for outstanding account balances for this designated population of students. The credit reporting agencies will then be responsible for processing any updates to the affected students’ credit reports.To the extent that access to diplomas or transcripts was restricted for these students because of the previously outstanding balance, the University will lift that restriction and will make official transcripts available upon request for this designated population of students at the cost of the published transcript fee. This will allow these students to more easily pursue further higher education if they choose. 3578